AFBI Relative Valuation
AFBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average, adjusted by weights. If the market price exceeds this fair value range, AFBI is overvalued; if below, it's undervalued.
Historical Valuation
Affinity Bancshares Inc (AFBI) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Affinity Bancshares Inc (AFBI) is between -- to -- according to relative valuation methord.
Relative Value
Fair Zone
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Current Price：20.26
Fair
0.00
PE
1Y
3Y
5Y
0.00
EV/EBITDA
Affinity Bancshares Inc. (AFBI) has a current EV/EBITDA of 0.00. The 5-year average EV/EBITDA is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBITDA of 0.00 falls within the Strongly Undervalued range.
0.00
EV/EBIT
Affinity Bancshares Inc. (AFBI) has a current EV/EBIT of 0.00. The 5-year average EV/EBIT is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward EV/EBIT of 0.00 falls within the Strongly Undervalued range.
0.00
PS
Affinity Bancshares Inc. (AFBI) has a current PS of 0.00. The 5-year average PS is 0.02. The thresholds are as follows: Strongly Undervalued below -1.07, Undervalued between -1.07 and -0.53, Fairly Valued between 0.56 and -0.53, Overvalued between 0.56 and 1.10, and Strongly Overvalued above 1.10. The current Forward PS of 0.00 falls within the Historic Trend Line -Fairly Valued range.
0.00
P/OCF
Affinity Bancshares Inc. (AFBI) has a current P/OCF of 0.00. The 5-year average P/OCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/OCF of 0.00 falls within the Strongly Undervalued range.
0.00
P/FCF
Affinity Bancshares Inc. (AFBI) has a current P/FCF of 0.00. The 5-year average P/FCF is 0.00. The thresholds are as follows: Strongly Undervalued below 0.00, Undervalued between 0.00 and 0.00, Fairly Valued between 0.00 and 0.00, Overvalued between 0.00 and 0.00, and Strongly Overvalued above 0.00. The current Forward P/FCF of 0.00 falls within the Strongly Undervalued range.
Affinity Bancshares Inc (AFBI) has a current Price-to-Book (P/B) ratio of 1.01. Compared to its 3-year average P/B ratio of 0.91 , the current P/B ratio is approximately 11.22% higher. Relative to its 5-year average P/B ratio of 0.89, the current P/B ratio is about 14.25% higher. Affinity Bancshares Inc (AFBI) has a Forward Free Cash Flow (FCF) yield of approximately 7.81%. Compared to its 3-year average FCF yield of 5.51%, the current FCF yield is approximately 41.61% lower. Relative to its 5-year average FCF yield of 7.05% , the current FCF yield is about 10.72% lower.
1.01
P/B
Median3y
0.91
Median5y
0.89
7.81
FCF Yield
Median3y
5.51
Median5y
7.05
Competitors Valuation Multiple
The average P/S ratio for AFBI's competitors is 0.31, providing a benchmark for relative valuation. Affinity Bancshares Inc Corp (AFBI) exhibits a P/S ratio of 0.00, which is -100% above the industry average. Given its robust revenue growth of 4.79%, this premium appears unsustainable.
Performance Decomposition
1Y
3Y
5Y
Market capitalization of AFBI increased by 11.42% over the past 1 year. The primary factor behind the change was an increase in Margin Expansion from 23.84 to 29.15.
The secondary factor is the Revenue Growth, contributed 4.79%to the performance.
Overall, the performance of AFBI in the past 1 year is driven by Margin Expansion. Which is more sustainable.
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Frequently Asked Questions
Is Affinity Bancshares Inc (AFBI) currently overvalued or undervalued?
Affinity Bancshares Inc (AFBI) is now in the Fair zone, suggesting that its current forward PS ratio of 0.00 is considered Fairly compared with the five-year average of 0.00. The fair price of Affinity Bancshares Inc (AFBI) is between to according to relative valuation methord.
What is Affinity Bancshares Inc (AFBI) fair value?
AFBI's fair value is calculated using relative valuation, based on historical P/E and P/S ranges and their premiums/discounts relative to a competitor average , adjusted by weights. The fair price of Affinity Bancshares Inc (AFBI) is between to according to relative valuation methord.
How does AFBI's valuation metrics compare to the industry average?
The average P/S ratio for AFBI's competitors is 0.31, providing a benchmark for relative valuation. Affinity Bancshares Inc Corp (AFBI) exhibits a P/S ratio of 0.00, which is -100.00% above the industry average. Given its robust revenue growth of 4.79%, this premium appears unsustainable.
What is the current P/B ratio for Affinity Bancshares Inc (AFBI) as of Jan 08 2026?
As of Jan 08 2026, Affinity Bancshares Inc (AFBI) has a P/B ratio of 1.01. This indicates that the market values AFBI at 1.01 times its book value.
What is the current FCF Yield for Affinity Bancshares Inc (AFBI) as of Jan 08 2026?
As of Jan 08 2026, Affinity Bancshares Inc (AFBI) has a FCF Yield of 7.81%. This means that for every dollar of Affinity Bancshares Inc’s market capitalization, the company generates 7.81 cents in free cash flow.
What is the current Forward P/E ratio for Affinity Bancshares Inc (AFBI) as of Jan 08 2026?
As of Jan 08 2026, Affinity Bancshares Inc (AFBI) has a Forward P/E ratio of 0.00. This means the market is willing to pay $0.00 for every dollar of Affinity Bancshares Inc’s expected earnings over the next 12 months.
What is the current Forward P/S ratio for Affinity Bancshares Inc (AFBI) as of Jan 08 2026?
As of Jan 08 2026, Affinity Bancshares Inc (AFBI) has a Forward P/S ratio of 0.00. This means the market is valuing AFBI at $0.00 for every dollar of expected revenue over the next 12 months.